在武汉光谷城，持续拓新的 "稻谷造血"，一举打破我国血液制品长期依赖进口的被动局面；被调侃为"有女不嫁塔后坳"的台州天台塔后村，正从贫困乡村 变身致富样本…… 这些看似分散的场景片段，被同一股金融力量紧密串联。在 "金融为民"的价值旨归下，浙商银行始终坚守"金融向善、金融向实"的初心使命，与国家战略 同频， 以创新金融产品与服务为抓手，在科技金融与普惠金融领域精准发力， 涓流汇聚，滋养实体经济。 刚刚过去的 2025年是"十四五"规划收官之年，浙商银行在打通普惠金融"最后一公里"、陪伴科技企业成长等方面交出了一份务实笃行的答卷。 "十四五"期间，该行累计服务小微客户超50万户，累放贷款规模增长133%；截至2025年末，已服务科技型企业超3.5万户，提供融资余额超4600亿元； 陪伴超150家企业实现A股/港股上市…… 这不仅仅是数字的增长变化，更是金融资源向服务实体经济和国家发展大局倾斜的真实写照，折射出浙商银行 "以实为锚"的战略坚定。 科技金融：打破传统桎梏，陪伴科创企业从 "0到1" 回望历史纵深，每一次跨时代的进步，皆因科技创新而迸发。 "十四五"规划明确提出，深入实施科教兴国战略、人才强国战略、创 ...

Core Viewpoint - The series of interviews titled "Xinhua Finance Looks at Hunan: Dialogue with Hunan Bankers" aims to showcase the unique paths and solid achievements of Hunan's financial industry in serving the real economy, with a focus on the role of financial institutions in supporting technological innovation and modern industrial system construction in Hunan [1]. Group 1 - The Zheshang Bank Changsha Branch emphasizes its commitment to being a "true companion" for technology enterprises in Hunan, translating the head office's strategy into localized practices [1]. - A key aspect of this localized service capability is the development of an understanding of the language and needs of Hunan's technology innovation enterprises [1]. Group 2 - The "Talent Bank" brand created by Zheshang Bank Changsha Branch addresses the common challenges faced by technology enterprises, particularly those with technology but lacking collateral [2]. - The "Talent Bank" first resolves the "valuation" issue by converting soft assets like talent identity and patent value into assessable hard currency [2]. - It also addresses the "access" issue by allowing top talent to secure up to 30 million yuan in credit loans based on talent certifications and other materials [2]. - Furthermore, the "Talent Bank" provides customized products such as "Talent Support Loans" and "Talent Growth Loans" to support enterprises at different stages of their lifecycle, ensuring comprehensive support [2]. - The bank aims to continue focusing on the entire lifecycle of technology enterprises, refining its product system, and striving to be a "booster" and "stabilizer" for technological innovation while achieving high-quality development [2].

如何为最富有创新和活力的这一领域科技型中小企业接上资金链？在行业研发失败与成果转化夭折风险 高企的背景下，如何有效降低金融支持的风险系数，实现科技与金融的安全共赢？ 生物制药行业长期面临"死亡之谷"的挑战。从前期研究到临床试验，再到最终获批上市，通常只有一成 左右的药物可以幸存下来。而这个过程，往往持续10年甚至更久的时间。 与此同时，"看抵押、看历史"的传统信贷逻辑与生物制药领域轻资产、重研发的特点不符。 日前，第一财经跟随中国人民银行赴浙江、江苏等地区调研时了解到，针对科技创新全链条和科技型企 业全生命周期，金融机构正努力构建差异化的金融支持路径，着力投早、投小、投长期、投硬科技。政 策层面也不断强化激励引导，多方合力为生物医药创新与科技成果转化打通资金堵点。 以人定贷，适配科技型企业 轻资产、无销售收入的特点，让众多手握核心技术的创新药企陷入研发与资金的双重困境，康霖生物科 技（杭州）有限公司（下称"康霖生物"）便是其中的典型代表。 成立于2015年的康霖生物，是国内最早一批深耕创新基因治疗的企业，专注于地中海贫血症等严重疾病 的根治方案研发。 地中海贫血症是一种因基因缺陷导致的罕见血液病。中重度患者自 ...

根据协议，未来五年内，浙商银行重庆分行将在符合国家金融政策及自身授信准则的前提下，累计向重庆市制造业高质量发展提供不少于200亿元的意向性 融资支持。合作将聚焦重点产业集群、战略性新兴产业、智能制造、绿色制造等关键领域，通过创新金融产品、优化服务模式，全方位满足制造业企业多元 化金融需求。 浙商银行重庆分行党委书记、行长郑矫表示，近年来，浙商银行重庆分行全力服务全市实体经济，充分发挥供应链金融、数智化服务优势，依托在能源、汽 车、钢铁等近30大行业形成的特色化解决方案，为产业链上下游中小微企业破解融资难、融资贵问题。下一步，分行将持续打造供应链金融数智化、体系 化、专业化和差异化服务能力，紧紧围绕全市"33618"现代制造业集群体系和重点产业链，加大先进制造业、绿色低碳产业等关键领域的金融支持，助力产 业链发展。同时，持续发挥科创金融、人才银行等优势，加大金融创新力度，为企业提供高效、优质的金融服务。（来源：浙商银行重庆分行） 12月11日，浙商银行重庆分行与重庆市经济信息委签署了产融合作协议。双方将加强创新链、产业链、资金链、人才链"四链"的深度融合、相互赋能，在金 融创新、产融合作、信用体系建设等领域全面 ...

Core Insights - The article emphasizes the role of financial institutions, particularly Zhejiang Commercial Bank, in supporting the real economy and national development through innovative financial services [2][3]. Group 1: Financial Support for the Real Economy - Zhejiang Commercial Bank has served over 500,000 small and micro enterprises during the "14th Five-Year Plan" period, with a loan scale growth of 133% [3]. - The bank has provided over 160 billion yuan in cross-border financing for foreign trade enterprises [3]. - The bank's commitment to "finance for the people" reflects its strategic focus on supporting the real economy and national development [2][3]. Group 2: Technological Innovation and Support - The "Talent Bank" service launched by Zhejiang Commercial Bank in 2016 focuses on evaluating technology companies based on their talent and innovation rather than traditional collateral [7]. - The bank has supported over 35,000 technology enterprises with a financing balance exceeding 460 billion yuan as of September 2025 [10]. - The case of Wuhan Heyuan Biotechnology Co., Ltd. illustrates the bank's innovative approach to financing, providing critical support for its research and development [8][10]. Group 3: Rural Development and Poverty Alleviation - Zhejiang Commercial Bank has implemented a "3386 model" to support local economies and agricultural projects, facilitating access to finance for rural entrepreneurs [14][16]. - The transformation of Taohou Village from poverty to a model of shared prosperity showcases the bank's impact on rural development [11][18]. - The bank has served 780,000 small enterprises, with over 2.8 trillion yuan in small loans disbursed, significantly contributing to poverty alleviation efforts [16][18]. Group 4: Support for Foreign Trade - Zhejiang Commercial Bank has provided over 1.6 trillion yuan in cross-border financing, enhancing the efficiency of payment and settlement processes for foreign trade enterprises [23]. - The bank's innovative services, such as the "cross-border asset pool," have enabled efficient financing for companies like YN Technology, facilitating their international expansion [22][23]. - The bank's commitment to supporting foreign trade aligns with national strategies to stabilize and grow international trade [19][23].

11月22日，浙商银行公司银行部副总经理、科创金融部副总经理（主持工作）李林在南方财经全媒体集 团指导、21世纪经济报道主办的"第二十届21世纪金融年会上"表示，杭州是今年年初"六小龙"的诞生 地，作为唯一一家总部在浙江杭州的全国股份制银行，浙商银行也是一家具有科技金融基因的银行。 做好科技金融要实现三个"转变" 在李林看来，银行做好科技金融首先要实现三个"转变"。 第一个转变是在服务方式上，从单点服务向综合服务转变。李林表示，在一家科技企业的不同成长阶段 将产生多元化的服务需求，在传统信贷服务之外，还需要非信贷服务甚至非金融服务的支持。 第二个转变是在服务理念上，从短期逐利向长期陪伴转变。李林指出，银行传统评价体系以年度为单 位，会促使经营机构更愿意为成熟期企业提供服务，从而获得当年度收益，但对于早期科技型企业，特 别是在初创期、成长期的科技企业来说，需要银行有更强的耐心提供更长期的陪伴，因此在考核机制上 也需要做出转变。 第三个转变是在互动模式上，从被动响应向主动赋能转变。李林提到，科技型企业谈到融资往往会寻求 创投机构的帮助，不了解银行的金融服务范围，因此银行应当要更主动与企业交流，成为其成长过程中 的 ...

Group 1 - The event "Financial Services for the Real Economy" was held in Nanjing, focusing on addressing the financing challenges faced by enterprises and promoting direct financial service policies to support the development of the real economy [1] - Jiangsu province is accelerating the construction of the "1650" modern industrial system, integrating industrial chains, innovation chains, and capital chains [1] - Zheshang Bank aims to enhance financial services for the real economy and support the development of innovative enterprises, emphasizing the importance of human capital in risk assessment [1] Group 2 - Six companies presented projects related to intelligent logistics systems and battery safety management during the roadshow, engaging in deep discussions with investment institutions [2] - The Jinyuzui Fund Street is positioned as an important financial hub in Nanjing, utilizing a "fund + industry + platform" model to create a strong magnetic field for serving the real economy [2] - The "Jinyuzui Daily Roadshow" is the first capital element matching platform in the country, aimed at innovating the investment-loan linkage mechanism and providing precise financial products to enterprises in the frontier technology industry [2]

Core Viewpoint - 2024 is set to be a year of innovation, with a focus on "new quality productivity" driven by technological innovation and financial support for various sectors [1] Group 1: Technological Financial Services - Zhejiang Commercial Bank has launched a financial service brand called "Talent Bank," aimed at high-level talent, establishing a technology financial service system to support new quality productivity [1][9] - The bank has implemented a project to promote the development of new quality productivity through technology finance, with a goal for the financing scale of technology enterprises to grow faster than the average loan growth rate [1][6] - As of now, Zhejiang Commercial Bank has served nearly 15,000 talent and technology enterprises, with a financing balance exceeding 200 billion [1] Group 2: Specialized Support for Innovation - The bank has established a specialized branch for small and micro enterprises in the West of Hangzhou to provide comprehensive services and financing support for technology talent and innovation enterprises [2] - A dedicated team of professionals, including specialized customer managers and product managers, has been created to provide "five-star" services to technology enterprises [3] - The bank aims to build a collaborative service network to optimize the management mechanism for technology finance, ensuring faster and better services for technology enterprises [3][4] Group 3: Comprehensive Financial Solutions - Zhejiang Commercial Bank has developed a range of financial products tailored to the entire lifecycle of technology enterprises, including "Specialized and Innovative Loans" and "Co-Investment Loans" [6] - The bank's services cover various stages of enterprise development, from initial startup to IPO, addressing diverse financial needs [6][7] - The bank has introduced a digital rating and credit model for technology enterprises to streamline the approval process and enhance service efficiency [7][8] Group 4: Cross-Border Financial Services - The bank has established a dedicated team for cross-border financial services, providing comprehensive support for technology enterprises in overseas financing and compliance [7][8] - Over the past five years, the bank has expanded its cross-border capital project services, assisting over 360 enterprises [8] - The "Talent Bank" initiative has significantly contributed to the growth of technology enterprises, with many achieving recognition as specialized and innovative enterprises or going public [8][9]

Group 1 - The Shandong Province meeting emphasized the importance of promoting a "good financial brand" and announced the selection of exemplary cases and products for 2025, with Zhejiang Merchants Bank's Jinan branch's "Talent Bank" included in the list of "good financial" technology finance products [4] - Wang Junshuang, the president of Zhejiang Merchants Bank's Jinan branch, highlighted the need for commercial banks to transition to a new development model of "technology + industry + finance" to better support technological innovation [7] - The bank aims to provide comprehensive services by shifting from single-point services to diversified offerings, focusing on long-term partnerships rather than short-term profits, and proactively empowering enterprises [7] Group 2 - Zhejiang Merchants Bank's Jinan branch has developed a full lifecycle financial service system for technology innovation, launching 30 specialized products tailored to the different stages of technology enterprises [8] - The bank addresses the financing challenges faced by early-stage tech companies by utilizing scoring cards and big data risk control models, transforming intangible assets like patents into financial capital [8] - For growth-stage companies, the bank relaxes profitability requirements and offers larger, longer-term credit support, while also facilitating equity financing and strategic investments [8][9] Group 3 - The bank is also converting digital assets accumulated during business operations, such as invoices and utility payments, into credit limits, and providing tailored financing solutions for supply chain enterprises [9] - Wang Junshuang pointed out the importance of reshaping credit risk control logic, focusing on social value rather than solely on financial metrics, and establishing a differentiated evaluation system for technology enterprises [10] - The bank's initiatives aim to support small and medium-sized enterprises, with 90% of its clients in this category, and to enhance the professionalism and precision of risk control for innovative companies [10] Group 4 - The banking sector's focus on enhancing financial services for the real economy is crucial for high-quality development and the transformation of commercial banks [11] - Zhejiang Merchants Bank's Jinan branch is committed to supporting technology enterprises and contributing to the establishment of a robust technology innovation ecosystem in the province [11]

Group 1 - The core viewpoint emphasizes the importance of technology, talent, and innovation as primary drivers for national development, with a focus on implementing strategies to attract and retain high-level talent [1] - Zhejiang Merchants Bank launched a specialized financial service brand, "Talent Bank," aimed at high-level talent in 2016, and has since evolved its service offerings to better support the lifecycle needs of talent-driven enterprises [1][2] - As of now, Zhejiang Merchants Bank has served over 4,000 high-level talents and 65 high-level talent technology enterprises, providing a total of 5.6 billion yuan in various financing, particularly supporting strategic emerging industries such as semiconductor technology and biomedicine [2] Group 2 - The Talent Bank business model shifts focus from traditional asset and revenue assessments to prioritizing the role of individuals, providing a viable financial approach for institutions to support technology-driven enterprises [2] - A notable case involves a national-level "little giant" enterprise specializing in LN single crystal film production, which has faced continuous losses despite its strategic importance in the 5G technology supply chain [3][4] - Zhejiang Merchants Bank's Jinan branch provided a comprehensive credit line of 20 million yuan to the aforementioned enterprise, recognizing the strength of its high-level talent team and their strategic vision, thereby supporting its growth despite existing financial challenges [4]